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Telehealth Coverage in Michigan

• Most major insurance providers in Michigan now cover telehealth counseling.

• By law, many plans must treat telehealth the same as in-person counseling sessions.

• Coverage may vary based on your specific plan—always confirm with your insurer.

What’s Typically Covered

• Individual counseling sessions (via secure video).

• Initial assessments and ongoing therapy.

• Family or couples counseling (if included in your plan).

• Services provided by licensed professionals (such as Licensed Professional Counselors at Milton’s Place).

What You May Be Responsible For

Even with coverage, you may still have out-of-pocket costs:

• Copayments – a fixed fee per session.

• Coinsurance – a percentage of the cost after insurance pays their portion.

• Deductibles – the amount you must pay before insurance begins covering care.

• Non-covered services – if your plan excludes certain types of counseling, such as couples counseling.

Questions to Ask Your Insurance Provider

When you call your insurer, here are some helpful questions:

1. Does my plan cover telehealth counseling with a licensed professional counselor (LPC)?

2. What is my copay or coinsurance for each session?

3. Do I need to meet a deductible first?

4. Are there limits on the number of sessions per year?

5. Do I need a referral to begin counseling?

6. Do I have to use a specific platform or provider network?

Tips for Using Your Benefits

• Have your insurance card ready when scheduling.

• Ask your provider to verify benefits before your first session.

• Review your Explanation of Benefits (EOB) statements to track costs.

• Call your insurance if you receive a bill that doesn’t look correct.

No Insurance? No Problem.

• We accept self-pay clients.

• Reduced-rate options may be available for those with financial need.

• HSA and FSA funds can be used to cover telehealth counseling.

Protecting Your Privacy

• All sessions are provided through a HIPAA-compliant telehealth platform.

• Insurance companies receive only what is necessary for billing—never your full therapy notes.